GIRISHWAR VADIVEL
Chennai
Summary
The prudent credit risk analyst officer successfully implements the framework by identifying, assessing, and managing credit and investment transactions to safeguard assets and minimize potential losses. Through knowledge of structured financial products,risk pricing, and equity investments. Proven skills and experience in credit risk assessment, with an emphasis on areas in developing economies. A hardworking credit risk officer is well-versed in reviewing financial documents,preparing loan packages, and making recommendations based on risk values. Detail-oriented and thorough, with excellent judgement and good verbal and written communication strength.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Branch Credit Risk Manager
Unico Housing Finance Private Limited Company
08.2024 - Current
- Improved credit policies by conducting comprehensive risk assessments.
- Analyzed financial data for identifying potential credit risks.
- Enhanced decision-making with detailed reports on credit risk exposures.
- Developed strategies to mitigate risk, ensuring compliance with regulations.
- Reduced financial risk by optimizing credit evaluation processes.
- Conducted training sessions to educate staff on credit risk management.
- Recommended credit limits by analyzing client financial histories.
credit risk Analyst officer
Optimo loan
07.2023 - 03.2024
- Reviewed and verified income, Credit reports, and employment histories for each borrower
- Adhered to banking standards and government lending guidelines for loan services
- Reviewed Credit risk and reward strategies and provided recommendations to optimize risk-return characteristics
- Collaborated with the credit manager to create and deliver presentations for senior management
- Performed semi-annual account credit limit reviews and credit increase review requests from financial services and sales teams
- Interacted with credit and front office colleagues to review credit reports.
territory sales manager
Asiya crystal commadity llp
04.2022 - 07.2023
- Identified new business opportunities and built relationships with key customers
- Analyzed sales data, identified trends, and developed action plans for improvement
- Managed multiple accounts simultaneously while ensuring customer satisfaction goals were met or exceeded.
wharehouse supervisor
sspt logistics
01.2016 - 01.2020
- Supervised team members engaged in receiving, stocking, shipping activities
- Guided loading and unloading of goods, maintaining safety standards at all times
- Directed daily activities and workload for warehouse team to achieve output goal requirements
- Managed and directed daily activities of production and operations.
Education
MBA shipping and logistics -
AMET UNIVERSITY
01.2016
MFT FOREGIN TRADE in LOGISTICS -
AMET UNIVERSITY
01.2014
Intermediate -
YMCA matriculation higher secondary school
01.2010
10th -
YMCA matriculation higher secondary school
01.2008
Skills
- Financial Statement Review
- Credit Data Assessments
- Credit Checks
- Banking Regulations
- Credit Reviews
- Loan Reviews
- Risk mitigation
- Decision making
- Credit scoring
- Risk identification
- Credit evaluation
- Credit approval process
- Creditworthiness assessment
- Loan underwriting
- Collateral valuation
Certification
- CHENNAI PORT TRUST
- VENKATESWARA PACKAGING
- CERTIFIED MORTGAGE PROFESSIONAL
Additional Information - Achievements
- On the sports award at state level in RELAY
- On the sports award in state level in VOLLEY BALL
Languages
English
First Language
tamil
Intermediate (B1)
B1
Telugu
Intermediate (B1)
B1
kannada
Intermediate (B1)
B1
Timeline
Branch Credit Risk Manager
Unico Housing Finance Private Limited Company
08.2024 - Current
credit risk Analyst officer
Optimo loan
07.2023 - 03.2024
territory sales manager
Asiya crystal commadity llp
04.2022 - 07.2023
wharehouse supervisor
sspt logistics
01.2016 - 01.2020
MBA shipping and logistics -
AMET UNIVERSITY
MFT FOREGIN TRADE in LOGISTICS -
AMET UNIVERSITY
Intermediate -
YMCA matriculation higher secondary school
10th -
YMCA matriculation higher secondary school
- CHENNAI PORT TRUST
- VENKATESWARA PACKAGING
- CERTIFIED MORTGAGE PROFESSIONAL
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